RUBIX DATA SCIENCES PVT. LTD.

CORPORATE PROFILE

www.rubixdatasciences.com
1. Factsheet
Awards and
Highlights Investors Offerings
Empanelment

๏ Founded in 2018 in Mumbai ๏ Funded by leading information ๏ Recognized under Start-Up India ๏ Rubix Automated Risk Management

๏ Focused on assessing and

industry professionals, noted early Scheme of the Government of India & Monitoring System (Rubix

monitoring B2B Credit, Supplier

stage investors and family offices
๏ Awarded Certificate of Recognition
ARMSTM) Platform

and Compliance Risk, providing at the IMC Digital Technology ๏ Counter-party Credit, Supplier and
Identity & Fraud Solutions and Awards in the Category: Most Compliance Risk Assessment and
Debt Collection services Promising Start-Up IT Company in Monitoring

๏ Leverages 120+ Structured &

Enabling Digital Transformation
๏ Skip Tracing
Unstructured Data Sources ๏ Recognized by BW Marketing World
๏ Identity and Fraud Solutions
๏ Powered by Data, Analytics and
as being among Top 5 Tech Start-
Ups to Scale your Business on
๏ Rubix Analytics Solutions
Technology National Technology Day
๏ Trusted by 250+ Banking, ๏ Empaneled by ECGC Ltd, various
‣ Custom Risk Scorecard
Development
Insurance and Corporate public and private sector banks and
Customers insurance companies ‣ Financial Benchmarking of
Customers/ Distributors/
Dealers/ Suppliers

‣ SME Financial Estimation Models

๏ Debt Collection

๏ Closed User Groups for monitoring

credit risks for trade groups and
associations 2
2. Team [1/2] – Founders

KAUSHAL SAMPAT MOHAN RAMASWAMY SAMIR MODI DR. VISHNU RAMACHANDRAN

Founder Co-Founder & CEO Co-Founder & CFO Co-Founder & Chief Technology/Product
Officer

๏ 27 years of experience ๏ 25 years working with leading ๏ 22 years working with leading ๏ 17 years with leading MNCs

๏ 18 years with Dun & Bradstreet

MNCs in India and abroad MNCs in financial advisory including Genpact, Dun &

India in various capacities ๏ Former MD India & South Asia of

services and entrepreneurship in
the information space
Bradstreet India and Experian
India
including President & MD for 7 LexisNexis, one of the most
years respected global brands in legal ๏ Former CFO of Dun & Bradstreet ๏ Played a pivotal role in setting up

๏ Helped establish Acuite Ratings

information India Acuite Ratings, India’s first SME

& Research Ltd (formerly SMERA ๏ Former COO of Dun & Bradstreet ๏ Chartered Accountant from ICAI
focused Credit Ratings Agency

Ratings Ltd) and served on its India and CPA from American Institute ๏ Helped set up the commercial
Board of Certified Public Accountants credit bureau at Experian India

๏ B.E., MBA, PhD from IIT Bombay

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2. Team [2/2] – Senior Advisors

MOHAN TANKSALE SAMIRAN GHOSH

Non-Executive Chairman Founder Senior Advisor

๏ Mr. Mohan Tanksale serves as the Non-Executive Chairman ๏ Samiran has spent over 27 years in the technology domain
of Rubix and has held key roles at Microsoft, Dun & Bradstreet, IBM

๏ He is the former Chairman & Managing Director of Central

and TCS

Bank of India and former CEO of the Indian Banks’ ๏ He was former Senior Advisor at McKinsey, Chief Digital
Association (IBA) Advisor at Microsoft India and Head of Technology for Asia-

๏ He is a Fellow Member of the Institute of Cost &

Pacific at Dun & Bradstreet

Management Accountants of India (FCMA) and the Indian ๏ He was associated with the National Institute for Smart
Institute of Banking & Finance (CAIIB) Government for several e-governance projects including the

๏ Mr. Tanksale has been conferred with several prestigious

Aadhar project

awards and recognitions and has served on important ๏ Samiran is on the MIT Technology Review Global Panel and
committees of RBI and the Government of India is part of the Forbes Technology Council, an invitation only
community for world class CIOs, CTOs and technology
executives

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3. What Rubix Does? [1/2]

Rubix enables you take Prudent Credit Risks, Rubix Automated Risk Management &
build a Robust Supply Chain and Monitor Monitoring System (Rubix ARMSTM)
Risk for your counterparties in India and around Platform enables dynamic risk decisions based
the world. on its extensive data assets, predictive analytics
and ML tools.
Rubix is part of your entire transaction cycle. It
helps you validate the identity of
counterparties, assess and monitor their
risk, avoid fraud and collect outstanding
debts

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3. What Rubix Does? [2/2]

ASSESS & MONITOR

CREDIT RISK OF FINANCIAL COMPLIANCE RISK

IDENTITY OF
CUSTOMERS, STRENGTH OF ACROSS
COUNTERPARTIES
DISTRIBUTORS, SUPPLIERS, DISTRIBUTION AND
(KYC)
DEALERS VENDORS SUPPLY CHAIN

RUBIX ARMSTM PLATFORM

RUBIX RISK RECOMMENDED PORTFOLIO SCORING &

SCORES CREDIT LIMITS VISUAL ANALYTICS

AUTOMATED CREDIT RISK

MODELLING USING RUBIX AND RISK MONITORING AND EARLY
CUSTOMER TRANSACTION DATA WARNING SIGNALS (EWS)

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4. Problems that Rubix is Solving
Increasing Credit Losses

๏ Reliance on static risk data for businesses. Absence of Regular

• Trade Credit Defaults
• Stretched Working Capital Cycle
Risk Monitoring. Credit Rating Agencies are behind the curve • Enhanced Bank NPAs
• Identity and Financial Fraud rampant
๏ Lack of single source of identity, credit and compliance related • Higher Credit Insurance Claims
data

๏ Inefficient Credit Assessment Methods reliant largely on internal

transaction history without factoring in external risks Supply Chain Disruption

๏ Non-availability of intelligence and financial data on small

• Supplier failures leading to cascading
businesses particularly proprietorship and partnership firms
business losses

๏ Unstructured data eg., Social Media is growing exponentially but

• Non-compliance by suppliers impacting
reputation and business
is largely missing from the risk assessment process

๏ Excessive reliance on human judgement in risk decisioning

process makes it costly and time consuming. Use of risk Lost Opportunities
analytics is very limited, especially in corporates

๏ Portfolio view of supply and distribution chain risk is missing • Absence of risk information tools hinders
trade credit thereby resulting in lost
opportunities (especially sales to SMEs)

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5. Rubix ARMSTM Platform and Solutions [1/6] – Overview

The Rubix ARMSTM platform equips our customers with all the
risk information and analytics that they need to establish and
monitor business relationships with new and existing
counterparties in India and overseas.

Customers use the Rubix ARMSTM platform to Validate the

Identity, assess Credit, Supplier and Compliance Risk, establish
Credit Limits and efficiently Monitor the health of their entire
portfolio of counterparties

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5. Rubix Platform and Solutions [2/6] – Rubix ARMSTM Platform

WHO TO ASSESS? WHEN TO ASSESS?

• Customers • During Negotiation (Identity / KYC)
• Distributors
• On-Boarding Risk Assessment
• Dealers
• Franchisees • Ongoing Risk Monitoring
• Suppliers
• Vendors
• Borrowers
• Competitors

WHAT TO ASSESS?
• Rubix KYC Report (Identity Validation) • Rubix Compliance Report
• Rubix Quick Check (Basic Profiling) • Rubix Techno-Economic Viability (TEV) Report
• Rubix Business Check (Risk Assessment & Scoring) • Rubix Skip Tracing Report
• Rubix Comprehensive Check (Detailed Risk Assessment)

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5. Rubix Platform and Solutions [3/6] – Risk Assessment and Monitoring Process

2.Data Collation & Analysis 4.Payment Scoring 6.Portfolio Risk Analytics

• Structured and Unstructured Data from 120+ Public Domain Based on the transaction history The assessed counterparties are assigned a Risk
data sources provided by the customer, Rubix Score at the portfolio level and can also be
• Proprietary Rubix Data Payment Scores are derived to reflect scored on multiple parameters including their
• Consent-Based Data (GST Returns, Income Tax Returns, the payment default risk of the location and legal constitution (incorporated
Transaction Data, Bank Statement Analysis) counterparty companies, LLPs, partnerships and
• Estimated financial attributes through analytical modeling for proprietorships)
Proprietorships and Partnerships
• Site Visits (where required)
• Geolocation data

2 4 6
1 3 5 7

1.Rubix Risk Scoring & Credit Limit 3.Risk Scoring 5.Credit Limit 7.Risk Monitoring & Early Warning Signals
Setting Model Recommendations
Counterparties are scored using the The Risk of the counterparties is monitored
Rubix has developed industry specific Rubix proprietary Risk Scoring Individual counterparty Credit proactively. Early Warning Signals are
risk scoring models. These models are algorithms Limits are assigned considering periodically provided on the Rubix ARMSTM
customized to incorporate customer- both the transaction history and Platform about Statutory Defaults (GST, PF,
specific risk factors and weightages. external risk assessment by Ministry of Corporate Affairs) by counterparties,
Rubix Legal Information from Courts, External Credit
Rating changes and Adverse Media Reports.
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5. Rubix Platform and Solutions [4/6] – Risk Analytics Solutions

CUSTOM RISK SCORECARD FINANCIAL BENCHMARKING OF

CREDIT LIMIT SETTING SME FINANCIAL ESTIMATION
DEVELOPMENT COUNTERPARTIES

Rubix develops Risk Scores to Rubix assigns actionable Credit Rubix develops Financial Rubix has developed Proprietary
assess the risk of your customers, Limits for your customers, Performance Benchmarks that help Algorithms to estimate income, cost,
distributors, dealers, suppliers, distributors and dealers by in optimizing credit allocation and profitability and other financial
vendors, borrowers, insurance policy considering their transaction history better risk management of your metrics for Proprietorships and
holders and competitors with you and the Risk Scores customers and distribution network. Partnerships on whom financial data
assigned by Rubix. These Credit Similarly, financial benchmarking of is not easily available in the public
Limits are developed keeping in suppliers helps identify financially domain
mind your credit policy and risk weak or stressed suppliers
appetite

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5. Rubix Platform and Solutions [5/6] – Skip Tracing

๏ Rubix Skip Tracing Solutions help you trace debtors who have ‘skipped’ or disappeared
without paying their invoices. These debtors could be customers, distributors, dealers or
even borrowers.

๏ Skip Tracing is deployed for cases where the debtor is not responding to emails, phone
calls, demand letters and is not available at the last known address

๏ Rubix helps you trace such absconding debtors and reestablish contact with them for the
purpose of initiating legal action

๏ Rubix provides you with:

§ The present coordinates of absconding debtors

§ Details and coordinates of any new business entities that they may have established
§ Alternate office and residential addresses and current phone numbers of debtors or their
employees
§ Photographic evidence of current location of absconding debtors (where available)

๏ We leverage Tele-research, Business Intelligence and Field Intelligence for Skip Tracing

๏ Rubix has a 75+ % success rate in Skip Trace cases across India.

๏ Skip Tracing is very useful in sectors with large and dispersed distribution networks and
where the dealer can easily change suppliers. Eg., FMCG, Construction Material, etc.
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5. Rubix Platform and Solutions [6/6] – Debt Collection Solutions

๏ The Rubix Debt Collection program functions as a full-service

collection agency that serves as an extended arm of your Finance &
Credit Team

๏ Rubix helps collect your Accounts Receivables by leveraging:

§ Extensive database of Indian businesses

§ Risk Intelligence and Compliance Data
§ Database of directors, proprietors and partners
§ Strong network of partners across India – CA, CS and Legal Firms
§ Proven experience in Skip Tracing
§ Technology driven collection workflow
§ Legally compliant collection process

๏ The Rubix Debt Collection program operates on a success fee basis

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6. Rubix Data Layer [120+ Data Sources]

RUBIX DATA LAYERS

PROACTIVE DATA SOURCING (120+ DATA SOURCES) ON-DEMAND DATA SOURCING

COMPANY DETAILED SALES & MEDIA

IDENTITY OWNERSHIP COMPLIANCE OPERATIONS
INSIGHTS FINANCIALS DISTRIBUTION ANALYSIS

• Line of Business • Directors • Delays in Statutory compliance: • Profit & Loss • Management Details • Number of • Employee
• GST
• Key Financials (Current & Past) a) GST • Balance Sheet • Employee Count Distributors / Sentiment Score
• MCA Dealers
Including Capital • Partners b) MCA • Cash Flow • Bank Details • Customer
• PF Details • Top 5 Customers Sentiment Score
• Proprietors c) PF • Financial Ratios • Domestic/International
• Income Tax • External Credit • Export Shipment • Social Media
• Linkages • RBI Willful Defaulters • Working Capital Operations
• IEC Ratings (Parent- Data Presence
Management • Import Shipment Data
• RERA • Date of Subsidiary) • RBI Suit Filed Cases • Trade • Trade Portal
Incorporation • Auditors Report • Production Capacity References Presence
• Shareholding • SEBI Defaulters
• Age of Company Pattern • Court Cases (Supreme Court, • Quality Certifications • Adverse Media
• Class of • Other High Court & Lower Courts) • Association Reporting
Company Directorships • NCLT and Other Tribunals Memberships
• Company Status • Related Parties • Labour Court • Awards & Recognition
(Active/inactive) • Trademarks & IP
• Consumer Court
• Listing Status • Site Visits
• Police FIRs, Arrest and Most
• Date of Last wanted records • Expansion Plans
Financials
• Politically Exposed Persons • Succession Plans
• Charges with (PEP) • Group Entities
RoC
• Anti-Money Laundering (AML) • Health, Safety &
• Financial Crimes Environment Info
• Income Tax Defaulters • Top 5 Suppliers
• Customs & Excise Duty
Defaulters 14
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7. Rubix Global Network

Domestic International
Partners Partners

Rubix has a network of partners around •Rubix has tied up with best-in-class
India who ensure: information providers globally to
• Speedy collection of on-ground info provide company information
• Site visits (if necessary) can be worldwide
completed within SLA •Rubix covers nearly 200 countries
• Local knowledge and relationships with its International Network
help in generating risk insights Partners

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8. Rubix Differentiators

Comprehensive database of Proprietary algorithms to

Customized credit risk modeling Credit limit algorithms developed
structured and unstructured data estimated financial metrics for
using Rubix and customer based on years of domain
gathered in an automated manner proprietorships and partnerships
transaction data expertise
from 120+ data sources which are otherwise unavailable

Cost effective credit bureau-style

Risk monitoring and early Portfolio scoring for both Visual analytics and
quick checks and scoring for
warning signals to dynamically domestic and international dashboarding on the Rubix
large dealer/ distributor/
assess and monitor risk counterparties ARMSTM platform
customer portfolios

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9. Technology Schema of
Rubix ARMSTM Platform
Rubix ARMSTM Platform Features

Clients Transactional Data

On-demand detailed Risk
Assessments
Consent Based Data
GST, IT, Credit Bureau DATA RATIONALIZATION
Large Scale Portfolio Scrub on
Identity (KYC) and Compliance
Data Cleaning Matching Parameters
Multi-Source Data

Risk Monitoring & Early

Public Structured Data ANALYTICS Warning Signals (EWS)
MCA, PF

Scoring Limit Setting

Visual Analytics and Interactive
Public Unstructured Data Dashboarding
Legal, Social Media, News Media

Primary Data Web Portal Mobile App

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10. Rubix Use Cases: Gaps and Solutions

IDENTITY AND FRAUD IDENTITY AND FRAUD

๏ Significant increase in fraud arising from fraudulent counterparties, provision ๏ By leveraging structured and unstructured data from 120+ data sources, Rubix
of fictitious contact information, falsification of address proof, and identity is able to validate the identity of counterparties on-the-fly, thus providing
theft. Need for an automated solution for identity validation and fraud accurate KYC information that helps prevent fraud.
prevention.
CREDIT
CREDIT ๏ Rubix deploys Risk Analytics to generate and assign Risk Scores to
๏ Inefficient method of credit assessment and monitoring leads to lower credit counterparties, thus reducing human bias in credit decisioning. Portfolio
deployment to businesses (especially SMEs), credit defaults and poor monitoring on the Rubix ARMSTM Platform ensures lower default risk on an
underwriting decisions. ongoing basis and optimum credit deployment for business growth.

SUPPLY CHAIN SUPPLY CHAIN

๏ Excessive reliance on human judgement and relationships may lead to errors ๏ The Rubix ARMSTM platform allows you to view Supplier Risk at both the
in supplier selection. Inadequate monitoring of supplier risk may cause individual supplier and portfolio level. Early Warning Signals (EWS) help you to
sudden disruptions in the supply chain. identify potentially weak suppliers so that you can strengthen them or quickly
find alternate suppliers.
THIRD PARTY COMPLIANCE
๏ Statutory and regulatory non-compliance by counterparties THIRD PARTY COMPLIANCE
can have serious financial, regulatory and reputational ๏ Rubix accesses compliance data (AML, PEP, Financial Crime,
repercussions. Companies currently have to go to multiple Court Cases etc) from multiple statutory, regulatory and other
sources to monitor the compliance of their counterparties. data sources. Rubix ARMSTM provides automated, seamless
This is error-prone, inefficient and expensive. and inexpensive compliance monitoring of
GAP SOLUTION counterparties on an ongoing basis.

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 Rubix Data Sciences Pvt. Ltd.
D-424 Neelkanth Business Park, Vidyavihar (W), Mumbai 400 086, India

+91 22 4974 4274 www.rubixdatasciences.com info@rubixds.com

CIN Number: U74999MH2017PTC301282 Start-up India Registration No: DIPP17964